Lapsed insurance and need guidance

My sister (27) works for a small business and her health insurance through the state (MD) was on autopay through the business. Well apparently the autopay did not go through because the business owner did not update their bank card. A letter came in the mail for her letting her know that she had a 30 day grace period before her coverage lapsed. My mom just handed her the letter less than a week ago and coverage was terminated on 10/1. She ended up in the hospital 10/2 and was there a week and a half without knowing she had no insurance. She has follow up appointments she needs to go to and medication that needs to be refilled and no doctor is willing to see her without insurance. When trying to work things out with the state, they told her they will not reinstate her plan and she will need to do open enrollment for coverage starting 1/1. She really needs to see her doctors. She has an autoimmune disease and possibly a bad kidney. What other alternatives will she have? She makes too much for Medicare (annual salary is about $65k) and the state is not willing to help her. There's technically no qualifying life event, just her employers mess up. I want to help her as much as I can, but I don't even know where to start. Any help would be so appreciated!

submitted by /u/Lifeisghettoaf
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